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All Journal LAN TABUR: JURNAL EKONOMI SYARIAH
Asvika Rani Hutabarat
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Economics, Econometrics & Finance

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Sharia Digital Banking Strategy in Indonesia: Policy Analysis and Implementation in Banking Information Systems M. Fauzan; Asvika Rani Hutabarat; Leony Suryandini; Muhammad Lathief Ilhamy Nasution; Wanda Khairun Nasirin
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.237

Abstract

The development of digital technology has driven a major transformation in the financial industry, including Islamic banking in Indonesia. This study aims to analyze policy strategies and information system implementation in the development of Islamic digital banking based on the principles of maqasid sharia. The method used is qualitative research with a desk study approach and policy analysis of various literature, regulations, and financial institution reports. The results show that Islamic digital banking has experienced significant growth thanks to the support of government policies through KNEKS, the Financial Services Authority (OJK), and Bank Indonesia. However, major challenges still include low digital literacy among the public, limited technological infrastructure, and the absence of digital Islamic audit guidelines. Therefore, synergy between regulators, industry, and academia is needed to build inclusive, secure, and sustainable digital Islamic governance.
Co-Authors Leony Suryandini M. Fauzan Muhammad Lathief Ilhamy Nasution Wanda Khairun Nasirin